很遗憾告诉你 你不是真正的快乐
<p><span word="At">At</span> <span word="Wells">Wells</span> <span word="Fargo">Fargo</span>, <span word="managers">managers</span> <span word="have">have</span> <span word="dreamt">dreamt</span> <span word="up">up</span> <span word="a">a</span> <span word="new">new</span> <span word="ratio">ratio</span> <span word="to">to</span> <span word="track">track</span> <span word="alongside">alongside</span> <span word="such">such</span> <span word="banking">banking</span> <span word="stalwarts">stalwarts</span> <span word="as">as</span> <span word="provision">provision</span> <span word="coverage">coverage</span> <span word="and">and</span> <span word="capital">capital</span> <span word="adequacy">adequacy</span>. <span word="It">It</span> <span word="is">is</span> <span word="called">called</span> <span word="the">the</span> <span word="happy">happy</span>:<span word="grumpy">grumpy</span> <span word="ratio">ratio</span>, <span word="and">and</span> <span word="measures">measures</span> <span word="how">how</span> <span word="many">many</span> <span word="cheery">cheery</span> <span word="staff">staff</span> <span word="the">the</span> <span word="bank">bank</span> <span word="employs">employs</span> <span word="for">for</span> <span word="every">every</span> <span word="curmudgeon">curmudgeon</span>.</p><p>富国银行(<span word="Wells">Wells</span> <span word="Fargo">Fargo</span>)的管理者想出了一个新的比率，用来与拨备覆盖率和资本充足率等银行业使用的可靠比率一起追踪银行的状况。它被称作快乐暴躁率，衡量的是银行中快乐员工与暴躁员工人数之比。</p><p><span word="The">The</span> <span word="point">point</span> <span word="of">of</span> <span word="this">this</span> <span word="exercise">exercise</span>, <span word="executives">executives</span> <span word="told">told</span> <span word="the">the</span> <span word="Wall">Wall</span> <span word="Street">Street</span> <span word="Journal">Journal</span> <span word="last">last</span> <span word="week">week</span>, <span word="was">was</span> <span word="that">that</span> <span word="happy">happy</span> <span word="employees">employees</span> <span word="are">are</span> <span word="more">more</span> <span word="likely">likely</span> <span word="to">to</span> <span word="do">do</span> <span word="the">the</span> <span word="right">right</span> <span word="thing">thing</span> <span word="than">than</span> <span word="unhappy">unhappy</span> <span word="ones">ones</span>. <span word="Financial">Financial</span> <span word="regulators">regulators</span>, <span word="who">who</span> <span word="have">have</span> <span word="recently">recently</span> <span word="been">been</span> <span word="exercising">exercising</span> <span word="themselves">themselves</span> <span word="about">about</span> <span word="the">the</span> <span word="nasty">nasty</span> <span word="culture">culture</span> <span word="of">of</span> <span word="banks">banks</span>, <span word="will">will</span> <span word="no">no</span> <span word="doubt">doubt</span> <span word="be">be</span> <span word="impressed">impressed</span>. <span word="And">And</span> <span word="they">they</span> <span word="will">will</span> <span word="be">be</span> <span word="even">even</span> <span word="more">more</span> <span word="so">so</span> <span word="when">when</span> <span word="they">they</span> <span word="see">see</span> <span word="how">how</span> <span word="this">this</span> <span word="ratio">ratio</span> <span word="is">is</span> <span word="moving">moving</span> <span word="at">at</span> <span word="the">the</span> <span word="San">San</span> <span word="Francisco">Francisco</span> <span word="bank">bank</span>. <span word="Only">Only</span> <span word="five">five</span> <span word="years">years</span> <span word="ago">ago</span> <span word="happy">happy</span> <span word="bankers">bankers</span> (<span word="measured">measured</span> <span word="by">by</span> <span word="their">their</span> <span word="own">own</span> <span word="assessment">assessment</span>) <span word="outnumbered">outnumbered</span> <span word="the">the</span> <span word="grumpy">grumpy</span> <span word="ones">ones</span> <span word="by">by</span> 3.8 <span word="to">to</span> 1; <span word="by">by</span> <span word="last">last</span> <span word="year">year</span> <span word="there">there</span> <span word="were">were</span> <span word="eight">eight</span> <span word="times">times</span> <span word="as">as</span> <span word="many">many</span> <span word="Pollyannas">Pollyannas</span> <span word="at">at</span> <span word="Wells">Wells</span> <span word="Fargo">Fargo</span> <span word="as">as</span> <span word="there">there</span> <span word="were">were</span> <span word="miserable">miserable</span> <span word="sods">sods</span>.</p><p>富国银行的高管近日告诉《华尔街日报》(<span word="Wall">Wall</span> <span word="Street">Street</span> <span word="Journal">Journal</span>)说，这项实践的出发点是，快乐的员工比不快乐的员工更有可能做正确的事。这无疑会给近期一直对银行的恶劣文化感到头疼的金融监管者留下深刻印象。而且，当看到该比率在这家总部位于旧金山的银行的走势变化时，他们的印象会更加深刻。五年前，快乐银行家（快乐与否是基于他们的自我评估）与暴躁银行家的人数之比还是3.8:1；而到了去年，富国银行内快乐员工的人数已是不快乐员工的8倍。</p>
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